Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$156,979Cash toward the purchase price.
Closing costs + prepaids$9,885Not just lender fees.
Before credits & paid funds$166,863The complete starting cash picture.
Estimated remaining funds due at closing
$166,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,978.72
Your down payment$156,978.72
Closing costs + prepaids$9,884.77
Total buyer cash needed$166,863.49
Remaining funds due$166,863.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$23.50
Prepaid interest, first (23 days)$636.27
Fees + prepaids$9,884.77
Your down payment is the seller’s equity. You take over the $143,021 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $166,863.49 is due at closing. Uses and sources reconcile at $309,884.77 each. Not a Closing Disclosure.